Cycle-tested Leader with Massive Opportunity

Digital Marketplace Bank Model Drives Advantages vs. Both Banks and Marketplaces LendingClub Other Fintechs Banks Ability to efficiently serve a broad range of customers Capital-light, high-ROE marketplace earnings stream ✓ X ✓ X Economics Highly profitable earnings via loan portfolio X ✓ Lower cost deposit funding X Fully integrated originations and deposit model ✓ X ✓ National digital first consumer footprint ✓ X Vast data advantage from serving millions of personal loan customers X X Scale & Scalability Unencumbered by high-cost branch network and legacy systems ✓ X Resiliency LendingClub Strong growth trajectory Recurring revenue stream Stability of funding Clear and consistent regulatory framework ✓ ✓ X X ✓ X ✓ X 10

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